This institution is no longer active

Operations ceased on January 28, 2011. CRA examination history below reflects the period it was active.

EVERGREEN STATE BANK

STOUGHTON, WI · Supervised by FDIC

Est. 1899FDIC #5,328RSSD: FDIC-5328

Part ofFIRST NATL BCORP STOUGHTON INC→ View all charters

Satisfactory

Current rating · Exam: December 2008

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -8.53%

Is this bank safe?

EVERGREEN STATE BANK holds a Satisfactory CRA rating (2008), shows financial metrics that merit closer review (ROA -8.53%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

207 South Forrest Street, STOUGHTON, WI

County

Dane County

Established

October 1, 1899

Total Assets

$241M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2010Call Report / FDIC

Total Assets

$241M

Total Deposits

$194M

Net Loans

$140M

Net Income

$-22,604K

ROA

-8.53%

Below avg for Small banks. Peer avg: 0.44%

ROE

-188.58%

Risk-Based Capital

0.97%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-8.53%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.97%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.89%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	190	88.42%	7.89%
2020	1,127	69.3%	11.45%
2019	318	85.53%	7.86%
2018	353	83.57%	6.52%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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